Terms & Conditions

Welcome to the website of Add Value Insurance Broker Pvt. Ltd. (“Add Value Insurance”, “we”, “our” or “us”).

These Terms & Conditions govern your access to and use of www.addvalueinsurance.com, including its informational content, insurance-related resources, enquiry forms, product information, customer feedback, news updates and other features.

By accessing or using this website, you agree to these Terms & Conditions. If you do not agree, please discontinue use of the website.

Add Value Insurance Broker Pvt. Ltd. is an insurance broking company operating in accordance with its applicable regulatory authorisation.

We provide information and assistance relating to insurance products and services, subject to the scope of our licence, applicable regulations, insurer requirements and the specific services requested by a customer.

Our website is intended to help visitors understand insurance products, explore insurance options and contact our team for further assistance.

Our current regulatory details, including applicable registration and licence particulars, are displayed on the website in the form required by the relevant regulator.

The website may contain:

• Information about our company, experience, expertise and services.
• Information relating to life, health, motor, travel, home, property, fire, liability and other insurance products.
• Names and information about insurance companies with which we work.
• Insurance news, market developments, product launches and educational articles.
• Customer feedback, testimonials and selected claim-related experiences.
• Contact details and enquiry forms.

The website is intended primarily for general information, education and communication. The availability of a product or service may depend on the insurer, eligibility criteria, geographical availability and applicable regulations.

We endeavour to keep the information on our website accurate, relevant and up to date. However, insurance products, premiums, benefits, exclusions, waiting periods, eligibility criteria and underwriting requirements may change.

Some information may be based on material published by insurance companies, regulators or other sources. We cannot guarantee that every item of information will remain current at all times.

We reserve the right to correct, update, modify or remove website content without prior notice, subject to applicable law.

Information about insurance products is provided to help visitors understand available options.

Any comparison of products, features, premiums or benefits should be considered in the context of the specific policy wording, prospectus, Customer Information Sheet, insurer-issued quotation and other applicable documents.

A comparison may not capture every difference between insurance policies. Products with similar names or headline benefits may have materially different terms, conditions, limits, exclusions or claim requirements.

Visitors should review the relevant policy documents and obtain clarification before making an insurance decision.

No product should be considered suitable for every customer merely because it is featured, discussed or compared on this website.

Submitting an enquiry through our website does not, by itself:

• Constitute an insurance proposal accepted by an insurer.
• Guarantee that a quotation will be provided.
• Guarantee policy issuance or renewal.
• Guarantee acceptance of a particular risk or medical condition.
• Create an insurance contract between you and an insurer.
• Guarantee any specific premium, coverage, benefit or claim outcome.

Premiums and terms may depend on the information supplied, underwriting assessment, insurer approval and applicable product rules.

You are responsible for providing complete and accurate information in any insurance proposal or related document. Material omissions, inaccuracies or misrepresentations may affect policy issuance or claims in accordance with applicable law and policy terms.

Our role is to provide insurance broking services within the scope of our applicable regulatory authorisation.

Depending on the service requested, we may assist customers in understanding products, obtaining quotations, facilitating proposals, coordinating policy servicing, supporting renewals and assisting with claims-related communication.

The insurer is responsible for underwriting and deciding whether to accept a proposal, issuing the policy and assessing claims under its contractual obligations.

We do not independently determine or guarantee an insurer's underwriting decision, premium, claim approval, settlement amount or processing timeline.

We aim to provide transparent and appropriate assistance; however, the availability and scope of any service will depend on the circumstances and applicable regulatory requirements.

The website may feature customer reviews, testimonials or descriptions of claim experiences.

Such material is shared for informational purposes and may reflect an individual customer's circumstances, policy terms and experience at a particular time.

Past claim approvals, settlements or service outcomes do not guarantee similar outcomes for another customer.

Individual experiences should not be interpreted as a promise, representation or guarantee of future claim approval, settlement amount or service timelines.

Personal information will be published only in accordance with applicable privacy requirements and appropriate permissions where required.

Unless otherwise stated, the website's original text, graphics, layout, branding, design elements and other materials are owned by or lawfully used by Add Value Insurance Broker Pvt. Ltd.

You may view and use website content for personal, non-commercial informational purposes.

You must not reproduce, modify, republish, distribute, commercially exploit or otherwise use website content without appropriate permission, except where permitted by law.

Third-party trademarks, company names, logos and product names belong to their respective owners. Their appearance on the website does not, by itself, imply ownership by us or an endorsement beyond any relationship expressly stated.

Our website may link to insurance companies, regulators, news publishers, product documents and other external websites.

These links are provided for convenience and information. We do not necessarily control, endorse or guarantee the accuracy, availability or security of external content.

Your use of third-party websites is subject to their respective terms, conditions and privacy policies.

You agree not to:

• Use the website for any unlawful, fraudulent or misleading purpose.
• Submit false information or impersonate another person.
• Attempt unauthorised access to the website, its systems or other users' information.
• Introduce malicious code or interfere with website functionality.
• Copy, scrape or exploit website content in a manner that infringes applicable rights or laws.
• Use the website in a manner that violates applicable laws or regulations.

We may restrict or suspend access where reasonably necessary to protect the website, its users or our lawful interests.

We endeavour to maintain website availability and functionality. However, uninterrupted or error-free access cannot be guaranteed.

To the extent permitted by applicable law, we will not be liable for losses arising solely from temporary website unavailability, technical errors, reliance on outdated general information or third-party website content.

Nothing in these Terms & Conditions excludes or limits liability where such exclusion or limitation is prohibited by law. These Terms also do not remove any rights or remedies available to customers under applicable insurance, consumer protection or regulatory laws.

Your use of the website is also subject to our Privacy Policy, which explains how we handle personal information.

Please review the Privacy Policy before submitting personal or insurance-related information through the website.

We may revise these Terms & Conditions from time to time. The revised version will be published on this page with an updated date.

Your continued use of the website after publication of revised terms will be subject to applicable law and the revised terms.

These Terms & Conditions shall be governed by the laws of India.

Any dispute arising from the use of this website shall be subject to the jurisdiction of the competent courts having jurisdiction under applicable law. Nothing in this clause restricts any mandatory statutory rights, consumer remedies or regulatory complaint mechanisms available to users.

For questions regarding these Terms & Conditions, please contact:

Add Value Insurance Broker Pvt. Ltd.

• Email: teamaddvalue@gmail.com
• Contact/WhatsApp: +91 92119 42424
• Website: www.addvalueinsurance.com
• Registered Office: P-9, LGF, P Block, Malviya Nagar, New Delhi – 110017